Find out exactly how much corpus you need to retire comfortably. Enter your current age, expected retirement age, monthly expenses, and investment details.
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The gap between them is your investment horizon.
Current monthly spend. Inflation will adjust this to retirement value.
India long-run inflation average is 5–6%. Use 6% for conservative planning.
The return on your retirement corpus — typically debt/balanced funds at 7–9%.
Two steps: project expenses at retirement using inflation, then find corpus needed to sustain them.
Real return = post-retirement return minus inflation. The SIP needed uses 12% pre-retirement equity return assumption.
A common rule: 25× your annual expenses (4% withdrawal rule). For ₹60K/month expenses at retirement = ₹1.8 Cr corpus. But this calculator accounts for inflation and gives a more accurate figure.
Withdraw 4% of your corpus annually. At this rate, historical data suggests the corpus lasts 30+ years. So ₹1 Cr corpus supports ₹4L/year or ~₹33K/month withdrawal.
Yes. If you expect ₹50L from EPF and ₹30L from NPS at retirement, subtract ₹80L from the required corpus and only target the difference through additional investments.
Early retirement dramatically increases the corpus needed — both because expenses grow for more years before retirement and because the corpus must last longer (40+ years instead of 25).
The 25x rule: save 25 times your annual expenses. With a 4% withdrawal rate, your corpus lasts 30+ years. For annual expenses of Rs 6 lakh, you need Rs 1.5 crore. Inflation significantly increases this target over time.